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received "notice of dispute" fron cap one

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right story so far


sent small claim to cap one (which they have until 14 sept to replied)

claim for

late/overlimit fees plus interest on these charges = £509.56

compound interest £224.81

8% interest = £66.76


Claim dating back to april 2004


Cap one offer

£388.00 for late/payment and interest on charges

£83.87 for compond interest

£36.00 for 8% interest


sent letter asking them how they came about these figures and what dates they cover


received notice of dspute from cap one to appear in court on 9th Oct

Am I entitled to full amount of late/over fees with interest(which is £121.26 short and same for 8% interest which is £30.76 short)

will I recive any more from cap one or should I settle for what I got, (am thinking about asking my solicitor for advice on this)

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Hi Michelle


You can only claim one interest rate, it's Compounded or 8% not both. I would suggest a strong letter to Capital One informing them that they have'nt settled your claim as they have missed off the interest. You may not get the compounded interest, but you should get 8% at the very least. You have some time, so it's worth a letter.




Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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